Originally Posted by
Kat007
Have some old accounts with Citi (Preferred old version, Sears, AT&T Business, Professional, and another one without name with Thank you program) with low limits 500-$5K (they cut them in the beginning of the crisis), don`t use them because I don`t see any value in them. My question is what are the best offers/values for these two banks? I have Chase Ink & Ink Bold, which I use extensively for transfers to airlines, but would like to get good sign up bonuses for diversification. Should I close some of them (let`s say Preferred), or the old version cards do not count for new offers?
As far as USBank, I haven`t had any accounts with them, so don`t know much about them and if they worth a credit inquiry.
How "old" is old? I have an AT&T Universal Card I've had for two decades, and I don't care how little use I have for it, it's one of only two open cards I have with a "very deep" credit history, so no way I ever want to close that one.
Your credit score can go down if you close your oldest cards. So be aware of which are your oldest cards and keep at least a couple of them (from different banks hopefully) open "forever".
I'm not quite sure what you mean by "best value". Do you mean for a signup bonus on a new card app? Or for converting an exsting card?
The best values in Citi may be the AA cards (currently may can get a 50k one day and a 30k a few days later):
http://www.flyertalk.com/forum/miles...nks-first.html
and the HHonors 50k card which is self-churnable several times a year:
http://www.flyertalk.com/forum/miles...nors-visa.html
For USBank, the main thing would probably be if you're interested in the Club Carlson hotel program:
http://www.flyertalk.com/forum/club-carlson-428/
(Each bank also has their own points program, ThankYou points for Citi and FlexPerks points for USBank. But neither is particularly transferrable, the way say Universal Rewards from Chase can be. So you may or may not find those points programs of value.)